Market specifications

Do you want to know more information about Pakistan's market? Go to the Accelerate Growth in Asia’s Leading eCommerce Hubs article.

Country reference

`country` code	`currency` code	`amount` decimals	`document.type` name
`PK`	`PKR`	2	ID or PASS

Mandatory parameters

Bank transfers

Bank transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	Yes	Yes	Yes
`amount`	Yes	Yes	Yes
`currency`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	Yes	Yes
`beneficiary.last_name`	Yes	Yes	Yes
`beneficiary.bank_account.code`	Yes	Yes	Yes
`beneficiary.bank_account.account`	Yes	Yes	Yes
`metadata.CommercialType`	Yes	Yes	Yes
`remitter.first_name`	Yes	Yes	Yes
`remitter.last_name`	Yes	Yes	Yes
`remitter.nationality`	Yes	Yes	Yes
`remitter.document.type`	-	-	Yes
`remitter.document.id`	-	-	Yes
`remitter.address.street`	-	-	Yes
`remitter.address.city`	-	-	Yes
`remitter.address.country`	-	-	Yes

Wallet transfers

Wallet transfer parameters	B2C	B2B	P2P
`external_id`	Yes	Yes	Yes
`payment_method_id`	Yes	Yes	Yes
`flow_type`	Yes	Yes	Yes
`purpose`	-	-	Yes
`amount`	Yes	Yes	Yes
`country`	Yes	Yes	Yes
`beneficiary.first_name`	Yes	Yes	Yes
`beneficiary.last_name`	Yes	Yes	Yes
`instant_payment.id`	Yes	Yes	Yes
`instant_payment.type`	Yes	Yes	Yes
`remitter.first_name`	-	-	Yes
`remitter.last_name`	-	-	Yes
`remitter.nationality`	-	-	Yes
`remitter.document.type`	-	-	Yes
`remitter.document.id`	-	-	Yes
`remitter.address.street`	-	-	Yes
`remitter.address.city`	-	-	Yes
`remitter.address.country`	-	-	Yes

Payment methods

Pakistan supports payouts via Bank transfers and Wallet transfers. Each method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

Use Wallet transfers for instant payments to mobile wallets. Use Bank transfers when sending funds directly to a bank account.

Bank transfers

Bank transfers in Pakistan require detailed account information, including bank code, IBAN, and metadata for CommercialType. The format of these fields depends on the receiving bank, and strict validation rules apply.

Refer to the bank codes and Commercial Type sections for format specifications.

Mandatory parameters

All fields listed below are required for bank transfer payouts. For successful processing, ensure correct formatting and value types.

Mandatory parameter	Description
`external_id`	Payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method. For bank transfers, use `BANK_TRANSFER`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`amount`	Payout amount (in the currency set in the `currency` field). Use up to 2 decimal numbers.
`currency`	Payout currency. For Pakistan, use `PKR` or `USD`.
`country`	Country code. For Pakistan, use `PK`.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary's last name. Only applies when the beneficiary is an individual. Maximum 50 characters.
`beneficiary.bank_account.code`	Beneficiary's bank account code. See bank codes below.
`beneficiary.bank_account.account`	Beneficiary's bank account number. Maximum 45 characters.
`metadata.CommercialType`	Commercial type. Valid values: `OFS`, `FCISS`, `PT`. See Commercial type.
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.document.type`	Remitter's document type: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter's document. Maximum 45 characters. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter's nationality. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P).
`remitter.address.street`	Remitter's address street. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter.address.city`	Remitter's address city. Maximum 40 characters. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter's address country. ISO 3166-1 alpha-2 code.. Mandatory only for remittance (P2P).

Commercial type

Type	Description
`FCISS`	Freelance of Computer and Information Systems Services (Equivalent to up to USD 5000 /individual/month): Remittances received by resident individuals from reputed overseas IT firms and online platforms on account of freelance computer and information systems services.
`OFS`	Other Freelance services (Equivalent to up to USD 5000 /individual/month) Remittances received by resident individuals from reputed overseas online platforms, firms, and individuals on account of freelance services other than computer and information services.
`PT`	Pension Transactions (Remittances received from known International Government and other organizations by resident pensioners on account of pensions only).

Example request

{
  "external_id": "1234567812345678",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2B",
  "purpose": "OTHER_SERVICES",
  "amount": "1100.00",
  "currency": "PKR",
  "country": "PK",
  "beneficiary": {
    "first_name": "JUAN",
    "last_name": "NASCIMENTO",
    "bank_account": {
      "code": "13",
      "account": "PK6200250002000000"
    }
  },
  "remitter": {
    "first_name": "Test",
    "last_name": "",
    "nationality": "US"
  },
  "metadata": {
    "CommercialType": "OFC"
  },
  "notification_url": "https://thisisawebsite.net"
}

{
  "external_id": "1234567812345678",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "amount": "1100.00",
  "currency": "PKR",
  "country": "PK",
  "beneficiary": {
    "first_name": "JUAN",
    "last_name": "NASCIMENTO",
    "bank_account": {
      "code": "13",
      "account": "PK6200250002000000"
    }
  },
  "remitter": {
    "first_name": "Test",
    "last_name": "",
    "nationality": "US"
  },
  "description": "this is the 1st comment",
  "notification_url": "https://thisisawebsite.net",
  "metadata": {
    "CommercialType": "FCISS"
  }
}

Wallet transfers

Wallet transfers enable real-time transfers using a mobile phone number linked to a wallet.

The instant_payment.type field must indicate the type of wallet being used (e.g., EasyPaisa, Finca, Apna, UBank, JazzCash, Advans, NRSP, FMB, Khushhali, NayaPay, Paymax, SadaPay, Bykea, Finja).

Mandatory parameters

The table below outlines the required parameters for Wallet transfers.

Mandatory parameter	Description
`external_id`	Payout identification at the merchant's end. Maximum 100 characters.
`payment_method_id`	Payment method. For wallet, use `INSTANT_PAYMENT`.
`flow_type`	Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).
`purpose`	Payout purpose code. See purpose codes reference.
`amount`	Payout amount (in the currency set in the `currency` field). Use up to 2 decimal places.
`country`	Country code. For Pakistan, use `PK`.
`beneficiary.first_name`	Beneficiary's first name. Maximum 50 characters.
`beneficiary.last_name`	Beneficiary's last name. Only applies when the beneficiary is an individual. Maximum 50 characters.
`beneficiary.instant_payment.id`	Beneficiary's wallet ID. Maximum 45 characters.
`beneficiary.instant_payment.type`	Beneficiary's instant payment account type. Type of wallet being used: `EASYPAISA`, `FINCA`, `APNA`, `UBANK`, `JAZZCASH`, `ADVANS`, `NRSP`, `FMB`, `KHUSHHALI`, `NAYAPAY`, `PAYMAX`, `SADAPAY`, `BYKEA`, `FINJA`.
`remitter.first_name`	Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.last_name`	Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).
`remitter.nationality`	Remitter's nationality. ISO 3166-1 alpha-2 code. Mandatory only for remittance (P2P).
`remitter.document.type`	Remitter's document type: `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).
`remitter.document.id`	Remitter's document. Maximum 45 characters. Mandatory only for remittance (P2P).
`remitter.address.street`	Remitter's address street. Maximum 200 characters. Mandatory only for remittance (P2P).
`remitter.address.city`	Remitter's address city. Maximum 40 characters. Mandatory only for remittance (P2P).
`remitter.address.country`	Remitter's address country. ISO 3166-1 alpha-2 code.. Mandatory only for remittance (P2P).

Example request

{
  "external_id": "1234567812345678",
  "payment_method_id": "INSTANT_PAYMENT",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "amount": "1100.00",
  "currency": "PKR",
  "country": "PK",
  "beneficiary": {
    "first_name": "JUAN",
    "last_name": "NASCIMENTO",
    "instant_payment": {
      "id": "+923439224698",
      "type": "EASYPAISA"
    }
  },
  "notification_url": "https://thisisawebsite.net"
}

Bank information

Access the reference formats and accepted values required for processing bank payouts in Pakistan.

Bank codes

These are the bank codes supported in Pakistan.

Bank Name	Bank Code
Al Baraka Bank Pakistan Limited	30
Allied Bank Limited	04
Apna Microfinance Bank	39
Askari Bank Limited	07
Bank Al Habib	08
Bank Alfalah Limited	09
Bank Islami Pakistan Limited	27
Bank of Azad Jammu Kashmir	33
Bank of Khyber	32
Bank of Punjab	03
Dubai Islamic Bank Ltd	11
Faysal Bank Limited	12
First Women Bank Limited	23
Habib Bank Ltd	05
Habib Metropolitan Bank	13
ICBC	41
Jahangir Siddiqui Bank Ltd	36
KhushhaliBank Limited	53
MCB Bank Limited	06
MCB Islamic Bank (MIB)	43
Meezan Bank Limited	14
Mobilink Microfinance Bank	51
National Bank of Pakistan	02
NIB Bank	18
NRSP	42
SadaPay	52
SAMBA Bank	15
Silk Bank	16
Sindh Bank	21
Soneri Bank Limited	17
Standard Chartered Bank	31
Summit Bank	26
Telenor Bank	38
U Microfinance Bank	40
United Bank Limited	29